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Ruth Johnson

LPL Financial Advisor

 Office: 518.730.9243

 Cell: 518.300.0902

 Email: ruth.johnson1@lpl.com

 1187 Troy Schenectady Road, Latham, New York 12110


Get to know Ruth.

Ruth has worked in the financial industry for over 20 years, and makes it a priority to continue her education with a focus on investment portfolio design and strategic financial plans. She joined the MassMutual Financial Group in 2007 where she specialized in life and disability insurance and became certified for the NYS Long Term Care Partnership program. She has also previously worked for an SEC Registered Investment Advisory firm. Ruth holds a certificate in Financial Planning from The College of Saint Rose.
How long you have worked in the financial planning industry?
After graduating from college, I worked various poisitions within the banking industry. In 2001, I became licensed for investments and learned how fixed annuities and mutual funds could help my customers save their money more effectively. I have been in the field for more than 20 years, and joined Life Stage Advisory as a Financial Advisor in 2019.
Why did you choose to work in the financial planning industry?
In 2004, while expecting my third child, I lost my mother in a horrific car accident. That tragedy presented me with questions that I could not answer about life insurance, long term care, and beneficiary IRA distributions. I felt helpless. That heart wrenching event motivated me to change direction; I left banking and became a student of the financial services industry, determined to help others avoid what my family had faced. 
What is your personal mission?
Every day is a new opportunity to bring my experience and passion to my work. My mission is to help families with complex financial decisions and work to better prepare them for what their financial future may hold.
Finish this sentence: “On a typical weekend, you can usually find me…”
Practicing yoga and spending time with my family. I find balance in my life through yoga. My greatest joy is being the best mom I can be to three energetic kids, two dogs, one cat, and a turtle. 
What is one piece of advice you would give someone who had a late start in retirement planning?
It's never too late to begin saving. Set a target of 10% of your gross salary to contribute to your employer sponsored plan, then have the employer match on top of that.

Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer(member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Sunmark Credit Union and Sunmark Life Stage Advisory are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Sunmark Life Stage Advisory, and may also be employees of Sunmark Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Sunmark Credit Union or Sunmark Life Stage Advisory. Securities and insurance offered through LPL or its affiliates are:
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"The act of saving is much more important than what you are saving into."